Source Technologies ST9530 User manual

Secure MICR Printer User’s Guide i © Source Technologies

ST9530

Secure MICR Printer

User’s Guide

Source Technologies

2910 Whitehall Park Drive

Charlotte, NC 28273

www.sourcetech.com

[email protected]

800-922-8501

Secure MICR Printer User’s Guide ii © Source Technologies

This manual serves as a reference for Source Technologies Secure MICR Printers. The user

manual that ships with your printer contains details on printer setup and operations and should be

read first. This manual should be used as a reference for learning more about MICR technology,

and developing MICR printing applications. This guide was produced to assist IS Technicians and

Engineers in the use Source Technologies’ programmed printers with their custom MICR

applications. The guide also contains information on MICR related error messages that post to the

operator panel.

Every effort has been made to ensure that all the information contained in this booklet is complete

and accurate. Changes, typos, and technical inaccuracies will be corrected in subsequent

publications. This publication is subject to change without notice. The information and descriptions

contained in this manual cannot be copied, disseminated, or distributed without the express written

consent of Source Technologies, Inc. No liability, expressed or implied, will be assumed by Source

Technologies, Inc. or its dealers or affiliates for any damage resulting from use of this information.

Additional copies of this publication can be received through the Marketing Department of Source

Technologies.

All other trade names or products used in this manual are for identification purposes only and may

be trademarks or registered trademarks of their respective companies.

Secure MICR Printer User’s Guide iii © Source Technologies

Table of Contents

1 Printer Installation...........................................................1

2 MICR Overview ................................................................2

The Check Processing System.....................................2

MICR Printing Today.....................................................2

3 MICR Check Design.........................................................4

General Features of Check Design...............................4

Position and Dimension Gauge ....................................4

Design Elements in Detail.............................................4

Figure 3.1 Sample Check .............................................9

4 Quality Issues..................................................................10

Printer Features ............................................................10

MICR Toner ..................................................................10

MICR Check Stock........................................................11

5 Security Issues................................................................13

Check Stock Security Features.....................................13

Security Note ................................................................14

6 MICR Features .................................................................16

MICR Mode...................................................................16

MICR Fonts...................................................................16

Secure Fonts ................................................................16

MicroPrint......................................................................16

Bi-Directional Feedback................................................17

Resource Storage.........................................................17

MICR Menu...................................................................18

Entering MICR Mode ....................................................18

MICR Mode Commands ...............................................20

DES and AES Decryption .............................................24

MFP Copy Defeat Commands ......................................25

Custom Character Conversion Commands ..................26

Special Alert and Custom Beep Command...................27

MICRpoint.....................................................................28

7 IBM Host Programming Features and Examples..........30

Hex Transfer .................................................................30

Figure 7.1: MICR Mode Command Example ................32

Escape Character Transition ........................................34

Figure 7.2: Sample Check ............................................35

Secure MICR Printer User’s Guide iv © Source Technologies

8 Audit Trail Report ............................................................36

Report Details ...............................................................36

Audit Trail Menu............................................................36

Audit Trail Command Set..............................................37

Figure 8.1: Audit Trail Command Example ...................41

Figure 8.2: Audit Trail Check Sample ...........................42

Figure 8.3 Audit Trail Report.........................................45

9 Error Messages................................................................46

MICR Error Messages ..................................................46

Appendix A: E-13B MICR Font Mapping.................................A1

Appendix B: CMC7 MICR Font Mapping ................................A2

Appendix C: Secure Numeric Font Mapping...........................A4

Appendix D: ICR Secure Numeric Font Mapping....................A7

Appendix E: MICR Mode Command Summary.......................A8

Appendix F: Audit Report Command Summary ......................A10

Appendix G: PJL Based MICR Commands……………………A11

Secure MICR Printer User’s Guide © Source Technologies

September 2005

1. Printer Installation

For complete information on how to unpack and setup your printer, see your printer’s user’s

guide. Please read the following if you are going to install the printer driver shipped with

your printer.

1. Locate the CD that was shipped with your printer.

Note: If you do not have a CD-ROM drive on the host PC, locate another

computer with a CD-ROM drive, start the CD-ROM utility, and then follow the

instructions on the screen to create printer driver diskettes.

2. Follow the instructions in the CD booklet to start the printer setup utility

appropriate for your operating system, i.e. Windows 95, NT, etc. The setup utility

will install printer driver and utilities to manage Source Technologies printer(s)

attached to your PC or Network.

3. The Source Technologies MICR printer, in most cases, assumes the printer

driver is set to the internal DEFAULT values. The following Default values

should not be changed for best overall printer performance and data stream

requirements of the ST Secure MICR printer.

- Print Resolution under the Graphic Tab should be set to the Default value of

600 DPI.

- Form Source under the Paper Tab should be set to Default value of By

Source.

- Print Quality and Picture Grade under the Graphic Tab should be set to the

Default values of Use Printer Default.

The ST Secure MICR Printer requires a PCL5 or PCL5e data stream. Current

level printer drivers require Graphic Mode under the Graphic Tab be set to either

Raster or GL/2. We recommend Raster. This is the only required non-Default

value that needs to be set in the printer driver.

A majority of other driver options can be set for your particular requirements. The most

obvious of these would be a Paper Tray selection if your application uses the Print Driver

Setting.

Secure MICR Printer User’s Guide © Source Technologies

September 2005

2. MICR Overview

MICR stands for Magnetic Ink Character Recognition. All MICR documents have a MICR

line with numbers and symbols printed in a MICR font with magnetically chargeable toner.

Each character of the MICR font has a unique waveform when sensed magnetically.

Financial institutions and the Federal Reserve use the MICR line to identify and sort

checks. The high-speed automated processing of checks and other financial documents

depends on the accuracy and the integrity of the data printed in the MICR line. Your new

Source Technologies’ Secure MICR Printer is specifically designed to produce high quality

MICR documents.

The Check Processing System

As a MICR document travels through the check clearing system it is processed an average

of about seven times by high speed reader/sorter machines. Some checks are read up to

30 times or more by these machines. Reader/sorter machines charge the toner in the

MICR line and then read the line with a magnetically sensitive reader.

The MICR line contains numbers and symbols to indicate the check serial number, the

routing number of the drawee institution and the makers’ account number. The institution

of first deposit encodes the check amount in the MICR line to be read by the reader/sorter

equipment. Checks travel through reader/sorters at up to 20 miles-per-hour (2,400

documents per minute) with each MICR line read in three hundredths of a second.

MICR Printing Today

Congress established the Federal Reserve System (FRS) in 1913. Today most commercial

banks in the United States belong to the FRS. Many other depository institutions provide

banking and checking account services to the public. These other institutions, such as

some credit unions, savings and loan associations and nonmember banks, are not formally

part of the FRS. However, they have access to the payment services it provides and are

subject to many of the FRS regulations.

In 1958, because of the explosive growth of check usage, the American Bankers

Association selected the E-13B MICR font and the MICR system as the technology for

high-speed check processing. Today, check standards are determined by the American

National Standards Institute (ANSI) Accredited Standards Committee (ASC) X9B of which

Source Technologies is a voting member. The latest versions of the standards and

technical guidelines are available from Global Engineering Documents.

Hardcopy Standards Softcopy Standards

Global Engineering Documents X9 Electronic Bookstore

Phone 800-854-7179 or 303-397-7956 www.x9.org - click ESS

Fax 303-397-2740 www.ansi.org - click ESS

[email protected] or

http://global.ihs.com

http://webstore.ansi.org

Secure MICR Printer User’s Guide © Source Technologies

September 2005

The key standards that address check documents are as follows:

ANSI X9.7 Specifications for Bank Check Background and Convenience Amount Field

ANSI X9.13 Specifications for Placement and Location of MICR Printing

ANSI X9.18 Paper Specifications for Checks

ANSI X9.27 Print and Test Specifications for Magnetic Ink Character Recognition (MICR)

Note: These standards are being re-numbered as new versions are published:

ANSI X9.7 will become ANSI X9.100-110

ANSI X9.13 will become ANSI X9.100-110, Parts 1 & 2

ANSI X9.18 will become ANSI X9.100-10

ANSI X9.27 will become ANSI X9.100-20

Secure MICR Printer User’s Guide © Source Technologies

September 2005

3. MICR Check Design

General Features of Check Design

To be a legal and negotiable document, the necessary elements required on a check are

the date, amount, payee, drawee institution, and payer’s signature.

Other elements included in a good check design are: the amount in words, account title,

check serial number, fractional routing number and MICR line.

A good check design contains security features and is formatted to be easily read by both

machines and the human eye. If the format is complicated, the depositor, bank employee

or reader/sorter machine may make an error in reading the data.

Position and Dimension Gauge

A MICR position and dimension gauge (Source Technologies’ part number 205-1000MGE

or 220-M1027-34) is an important tool for use in designing checks. During check design,

check your output against this gauge to determine if the data elements are correctly

positioned on your document.

Design Elements in Detail

Paper

The ideal paper for check production is 24 lb. laser bond. Our MICR lab has tested

paper stock from most major manufacturers and has compiled a list of products that

produce superior results. Contact your sales representative for this information. For

a fee, Source Technologies will test your paper for proper MICR adherence and

check reader/sorter performance. There are also many security features available to

aid in the overall security of your MICR documents. See Chapter 3 for more

information on check stock specifications and security features.

Size

The size of check documents must be:

Between 6.00 inches and 8.75 inches in length

Between 2.75 inches and 3.66 inches in height

We recommend standard 8.5" X 11" letter size stock or 8.5" X 14" legal size stock for

proper feeding through your ST Secure MICR Printer. The number of checks per

page is determined by your application. Custom size stock other than letter or legal

can be done with proper planning and application programming within the paper size

specifications for the base printer.

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September 2005

Duplexing

Use caution if printing on both sides of the paper (duplexing) when printing checks.

MICR toner on the back of a check can cause read failures in the MICR Line. Order

your check stock with any necessary information preprinted on the back. If duplex

is necessary, we suggest a more aggressive test plan be developed to ensure print

quality consistently conforms to the ANSI/ABA specifications.

MICR Clear Band

The MICR clear band is an area at the bottom of the check where the MICR line

prints. No other magnetic printing should appear in this area on both the font and

back of document. The clear band is an area 0.625 (5/8) inches high from the

bottom of the check running the entire length of the check. Exact MICR line

placement in this area is very important. See Figure 3.1 for more information on

MICR line placement.

Data Elements

Date

The date is a required data element for a check. It represents the day on or after the

transfer of the check amount may take place. It is usually placed in the upper right

portion of the check so it does not interfere with the convenience amount field. The

common format is Month, Day and Year, however, the military format of Day, Month

and Year is also acceptable.

Amount

The amount of the check is a required element. The amount usually appears at

least twice on the check. The amount printed in numbers is called the convenience

amount. The amount printed in words is sometimes referred to as the legal amount,

since this is the amount that applies if there is a difference between the two amount

fields. The amount may also be printed a third time on the check in a secure font,

intended to make alteration of the amount field difficult. See Chapter 5 and Appendix

C for information on Source Technologies’ Secure Numeric Font.

Convenience Amount

The convenience amount location is specified in ANSI X9.7. The basic location is

illustrated in Figure 3.1. Since this amount can be machine scanned, its location and

design should be kept within the specifications. The amount beginning with the

dollar sign should be left justified within the scan area with numbers spaced normally

to the right. The dollars and cents should be separated by a decimal point with the

cents printed in the same size font as the rest of the field. Embedded commas

should not be used. The convenience amount background should have good

reflectance so it does not interfere with optical scanning (see ANSI X9.7).

The convenience amount should be printed in a simple, fixed pitch font. We

recommend our ICR Secure Numeric Font (see Appendix D). It was designed to be

easily read by image capture equipment and is also a fraud deterrent. A fixed pitch

Secure MICR Printer User’s Guide © Source Technologies

September 2005

courier font, or if available OCR-B, are also acceptable fonts to print the

convenience amount.

Note: The Source Technologies’ Secure Numeric Font (see Appendix C) should not

be used in the convenience amount since it is not a machine readable font.

Amount In Words

The amount in words (sometimes called the legal amount) is normally located either

above or below and to the left of the convenience amount. The area for the amount

in words should be entirely filled to make alteration difficult. The amount should start

at the far left of the line with the words placed immediately adjacent to each other.

The cents need not be written out. They may be expressed as a fraction (60/100),

and should be placed immediately to the right of the dollar amount and followed by a

line or other space filler to inhibit alteration.

Example: One hundred forty-four and 62/100---------------DOLLARS

Given the available area on the document, you may need to use a smaller font when

printing larger value amounts.

Payee Area

The payee is a necessary element for a negotiable document. The payee area is

generally to the left side of the document either above or below the amount in words.

It is often preceded by the words “Pay to the Order Of.” The payee data should not

enter the MICR clear band which extends 5/8 of an inch above the bottom of the

check.

Signature Area

A signature is a required element for a negotiable document. The signature or

signatures authorize the bank to honor the check; therefore, it must match the

bank’s records. The signature area should be beneath the convenience amount area

but the signatures should not enter the convenience amount area nor the MICR

clear band. This is especially true if you print the signature with MICR toner.

We recommend using our MicroPrint font for the signature line as a fraud deterrent.

Information on how to utilize this font is in section 5: MICR Features.

Drawee Institution Name

The name of the institution where the maker’s account is located is referred to as the

drawee institution. The bank’s name, city, and state are required.

Account Title

The account title is normally printed in the upper left corner of the check. It includes

the name of the account holder and other information such as addresses, telephone

numbers, and logos. The data in the title should be legible and sufficiently complete

Secure MICR Printer User’s Guide © Source Technologies

September 2005

so that if the MICR data account number is destroyed, the drawee institution can

refer to the account title in order to trace the account number.

Memo Line

This line is located in the lower left quadrant of the check, and is not required. Data

printed here does not contain any legal significance. Printing in this area with

magnetic toner should not extend downward into the MICR clear band which is 5/8

th

of an inch above the bottom of the check.

Check Serial Number

The check serial number is generally printed in the upper right quadrant of the

check. Although the check number is not required for the check to be negotiable,

the account holder and financial institution use these numbers to reconcile

statements and stop payments. The check serial number should also appear a

second time in the MICR line, and these numbers should match. The number of

digits in the check serial number is controlled by the financial institution and the

MICR line format. Consult your banking institution for their requirements.

Fractional Routing Number

The fractional routing number should be printed in a fractional format in the upper

right quadrant of the check. This number is assigned to identify the Federal Reserve

District and drawee institution. Consult with your bank for the proper routing number

and format for each of your accounts.

MICR Line

Accurate high-speed processing of your checks by financial institutions is enabled by

the accuracy and integrity of the data in the MICR line. Refer to figure 3.1 for the

location of the following MICR line fields. The MICR line is read from right to left with

position one being the right most position proceeding to position sixty-five on the left.

The MICR line must be printed at exactly eight characters per inch.

Auxiliary On-Us Field Positions 65 to 45

This field usually contains the check serial number for commercial size checks

and possibly account control information. It is bounded by On-Us symbols. (;). It

is not included on personal, small size checks.

External Processing Code (EPC) Field Position 44

This one digit field is position 44 of the MICR line. This field is usually left blank.

The use of this field is controlled by the ASC X9B Standards Committee.

Routing Field Positions 43 to 33

The routing field is bounded by Transit Symbols (:) in positions 43 and 33. It

contains fixed format information about the drawee institution. Consult with your

bank for the specific data field to be placed here for each of your accounts.

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September 2005

On-Us Field Positions 32 to 14

The On-us field contains the makers’ account number. The structure and content

of this field is left to the drawee bank. On personal checks this field also contains

the check serial numbers. The On-Us field may not consist of more than 19

characters. An On-Us (;) symbol must appear immediately to the right of the

account number.

Blank Field Position 13

Position 13 is always left blank.

Amount Field Positions 1 to 12

The amount field is the right most field in the MICR line. It remains blank until it is

printed by the bank of first deposit. When the check enters the banking system,

the bank of first deposit encodes this field from data in the convenience amount

field. It will be bounded by Amount Symbols (/).

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September 2005

Figure 3.1: Sample Check

A. Serial Number: Must be in the upper right corner and match the serial number in the

MICR line (see D for further explanation).

B. Fractional Routing Transit Number: Should be in the upper right corner and must

match the routing transit number in the MICR line with the exception of the state prefix

number (ex. 66 = NC, 67 = SC, 64 = GA, etc.) and the preceding zeros.

C. Bank Name, State, City: The bank logo is optional. Name of bank, city and state

where the account will be assigned/opened is a required field.

D. Aux On Us (46-55): This is a required field if the customer desires services offered by

the bank which require a serial number. The serial number format is controlled by the

payer’s bank. A & D should match.

E. Routing Number (34-42): Designates the Federal Reserve district and financial

institution. Each city, state or region that the bank serves has a unique institution

identifier. IMPORTANT: positions 35-42 is the Routing Number, position 34 is the

check digit.

F. Account Number: This is a unique number assigned to the customer’s account.

G. Optional Serial Number: Used for personal accounts (checks only). A 4 digit zero

filled field that should match the serial number in the upper right corner.

H. Convenience Amount Area should be in the general location shown above in the

diagram. The illustrated box in the diagram is optional and if used, should conform to

ANS X9.7. A single stroke dollar sign is required.

Secure MICR Printer User’s Guide © Source Technologies

September 2005

4. Quality Issues

A high quality MICR document can be read by bank reader/sorter equipment many times

with no readability issues and does not result in damage to bank equipment. This quality is

the result of a well designed printer, an originally manufactured MICR toner cartridge and

high quality check stock.

Printer Features

Your Secure MICR Printer is equipped with some features to ensure high quality MICR

documents.

Paper Type

We recommend paper trays with check stock be set to “bond” paper type. The

associated “weight” and “texture” settings should be set to “heavy” and “rough.” See

the base printers User’s Guide. If more than one input tray has check stock and

they are the same stock, set all to “bond” and they will be linked. If different stock is

used in more than one input tray, use “custom” type, “rough” and “heavy” to block

Linking.

MICR Toner Low Alarm

When MICR toner is low, the printer stops and the user is prompted to load a new

MICR toner cartridge. We do not recommend shaking the cartridge to prolong its

life. Once low toner is sensed, there may not be enough MICR toner left to produce

quality MICR documents.

MICR Toner Sensing

When the printer enters MICR mode and attempts to print a MICR font, it checks to

ensure a MICR toner cartridge is loaded in the printer. If a regular cartridge is

present, an alarm will sound and the user must load a MICR cartridge before their

print job will resume. A message “load MICR Toner” will appear on the Operator’s

Panel.

MICR Toner

Use only Source Technologies MICR toner when printing MICR documents. It is

specifically engineered to print quality MICR documents with your printer. The printers’

MICR toner sensor is designed to work with the Source Technologies MICR toner cartridge

to prevent printing checks with regular toner present. You may choose to use this printer for

general office printing, which is acceptable. If a MICR print job begins and the printer has a

regular toner cartridge present, the printer will stop and prompt the operator to install a

MICR toner cartridge.

Source Technologies does not recommend the use of refilled MICR toner cartridges.

Although refilled cartridges are generally less expensive, they may result in expensive

printer repairs and bank check reject fees due to inferior MICR toner formulation.

Secure MICR Printer User’s Guide © Source Technologies

September 2005

MICR Check Stock

Check stock has a large impact on the resulting quality and security of your MICR

document. Here are a few features that should be considered when selecting a check

stock. Please see Chapter 4 for more information on check stock security features.

Quality

Quality MICR check printing with your ST Secure MICR Printer requires check stock

that matches the printer’s requirements. Source Technologies can supply paper

specifically made for our printers. If you wish to order check stock from other

suppliers, please show the following requirements to your sales representative. We

will test other suppliers’ paper for a nominal fee.

Layout

Layout your check design before any paper is purchased or layout your design to

existing check stock. Keep in mind, perforations, orientation, special logos and any

color elements. The printer can print just about anything as long as it is black.

Weight

We recommend 24 lb. - 29 lb. paper.

Stiffness

We recommend taber M.D. 2.5 and C.D. 1.1 minimum.

Smoothness

For best toner fusing, we recommend rougher surfaces within the base printers’

specifications and the Paper Specifications for Checks X9.18. We recommend a

smoothness range of 150 to 200 - Sheffield.

Paper Grain Direction

When using 24 lb. - 29 lb. bond paper we generally support either long or short

paper grain. Overall performance in the banks reader/sorters is best when the

resultant grain direction is left to right when viewing the check.

Perforations

All perforations in the stock should be Micro-Perfs (20 or more cuts per inch). Larger

perforations can produce excessive paper chaff and result in damage to the toner

cartridge. Perforations should be ironed by the paper supplier to reduce nesting and

potential double feeding.

Moisture

The paper moisture content should be between 4.7 and 5.5%. Storage conditions

have much to do with the final moisture content of most papers. Store your check

stock in a cool, dry, environmentally stable and secure area. Protective wrappings

should be removed just prior to use.

Secure MICR Printer User’s Guide © Source Technologies

September 2005

5. Security Issues

Printing negotiable documents from blank paper on desktop MICR laser printers makes

security a top priority for any company embarking on a desktop check printing project.

Good security programs integrate hardware, software, your employees and your financial

institution into a secure check production system. Recent changes relative to the

responsibilities of banks and their customers have a bearing on the ultimate liability for

fraudulent documents. Customers must have systems designed and documented to show

“Ordinary Care and Good Faith Effort” is in place to avoid liability. In the past, financial

institutions generally credited corporations when fraud was discovered. New regulations

attempt to define who may have been negligent in the transaction and put the liability on

that party or parties. Clearly, if a fraudulent occurrence can be traced to a corporation’s

lack of security procedures, or the design of their negotiable documents, the regulations will

protect the banks, or at best case the loss will be shared.

Check Stock Security Features

We have found the following check stock security features to be of merit:

Artificial Watermarks - White on white printing generally on the back reveals words

or patterns when held at an angle. You should state on the front of the check that

this feature is present. It cannot be copied.

Laid Lines - Evenly spaced background lines that make cut and paste alteration

difficult.

Void Pantograph - Background printing of the word VOID or COPY which appears

on photocopies. Some paper suppliers offer enhanced versions of pantographs

which provide more protection from the latest in color copier technology.

Chemical Additives - If an ink eradicator (bleach, acetone, etc.) is applied to the

document, the eradicator creates a permanent stain.

Numbered Check Stock - Sequential numbering printed in dye that penetrates to

the reverse side of the check can be used to verify authenticity. This number may

not relate to the check serial number. This also provides for inventory control of

blank check stock.

NOTE: These quality issues serve as a general guide for check production. You should not

consider these features as an all inclusive list. We recommend consulting with your local

paper supplier for any additional comments or suggestions.

September 2005

Security Note

Check fraud in the United States is a continuing problem. We have attempted to identify

security features that can be incorporated into the base check stock. However, these may

not prove 100% fraud preventative. Over time, technology will continue to develop new and

improved measures to address check fraud.

The following internal and external security measures will help minimize your risk of check

fraud.

1. Financial institutions should train tellers to look at the check, not the person

presenting the check. The check, not the person, is the item that must be

verified.

2. Firms accepting checks should be aware of damaged MICR lines. Intentionally

damaging the MICR line can increase the time necessary to process an item,

giving the forger enough time to leave town. Also be sensitive to discoloration,

this could be an indication of alteration.

3. Incorporate security features into your base check stock and utilize printed

security features that address both alteration and counterfeiting of original items.

A short list of these features would be:

• Warning Bands, or other methods that alert recipients to visual security

features;

• Artificial or genuine watermarks in the base paper;

• Chemical additives in the base paper that react to chemical alteration

attempts;

• Void Pantographs that address attempts to copy original items;

• Unique security fonts that deter attempts to alter payee or amount

information.

4. When generating final negotiable items,

• The document always includes the amount value in words;

• The document should not include information that limits the value range,

i.e. “Not valid over $500.” This only guides the fraudulent attempt. Use

your application software to detect out of range items;

• All levels of hardware and software password protection should be

utilized.

5. Safeguard check stock paper, and limit access only to necessary employees.

6. Understand and approve the security procedures of your check stock suppliers to

safeguard stock in their custody.

September 2005

7. Use “Positive Pay” check services from your financial institution that match check

number and dollar amounts to known information. Financial institutions should

encourage full participation of corporate clients.

8. Move methods of fraud detection to the item’s point of entry into the clearing

system. For example, low cost readers can detect low magnetic strength in the

MICR line which is a good indication of attempts to copy an original.

9. Always verify the home address and place of employment of new account

applicants. Use public sources such as phone books to verify phone numbers.

Ask new account applicants why they are opening an account with your

institution. Be suspect of unusual answers or delays in responding.

10. Stay abreast of current check fraud methods and the latest in fraud detection.

Offer seminars to educate corporate clients.

11. Review and document your internal negotiable document printing procedures.

Investigate employee backgrounds before assigning security authority. Split

responsibilities, for example, an accounts payable production/security officer

should not also balance the account.

September 2005

6. MICR Features

Source Technologies’ Secure MICR Printers are designed to allow both general office

document printing and secure MICR document printing. You may print a variety of

conventional jobs with regular Lexmark toner using all of the printer features available such

as MarkNet and MarkVision network attachment interfaces and network printer utilities.

These printers come standard with HP PCL5, PCL6 and PostScript Level 2 emulations and

others. Source Technologies has designed features to enhance these printers with MICR

mode specific operation that allows you to securely print high quality negotiable documents.

MICR Mode

Your Secure MICR Printer has two operational states: normal and MICR mode. When the

printer is in normal printing mode your MICR resources cannot be accessed. Once the

printer enters into MICR mode your secure resources are available and the printer starts

the process of confirming readiness to print a negotiable document. There are two

conditions which must be met before MICR mode is activated:

If the front panel combination lock feature is activated, the correct eight digit

combination must be entered from the front panel.

The correct password command must be received by the printer from the software

application prior to printing any MICR documents.

MICR Fonts

The E-13B and CMC7 MICR fonts are resident in your printer. Examples of these fonts are

in the Appendix of this manual. They can only be accessed after MICR mode is activated

by your software. A MICR toner cartridge must be present to print the MICR fonts.

Secure Fonts

Two Source Technologies designed secure fonts: Secure Numeric Font and ICR Secure

Numeric Font are resident in your printer. Examples of these fonts are in the Appendix of

this manual. Like the MICR fonts, these secure fonts can only be accessed after MICR

mode is activated by your software.

The ICR Secure Numeric Font is designed for the convenience area of your check. It can

be read by the imaging equipment used by many financial institutions. The Secure

Numeric Font should not be used in this area since the reverse image aspect of this font

prevents it from being read by this equipment. We recommend using both of these fonts on

your checks as they are designed to deter check fraud.

September 2005

MicroPrint

Your Secure MICR Printer also contains the MicroPrint font. MicroPrint is text less than

.010” tall. It can easily be read with a magnifying glass but appears to be a solid line to an

unaided

eye. This font provides protection against reproduction by most scanners and copiers

because they cannot successfully print the tiny letters.

Most check printers use this font in the signature area of their preprinted checks. We

recommend using this font to help deter check fraud. The text in this font can either be

fixed, such as the name of your organization, or it can be variable, such as the check

amount and payee name. The use of variable text provides an additional method of

protection against check counterfeiters.

Use of the “MP” designate symbol to identify the line as MicroPrint is optional. The

MicroPrint font only contains alphanumeric characters. Punctuation marks and spaces are

ignored by this font and do not print.

Bi-Directional Feedback

Your Secure MICR Printer can provide MICR status messages to the check printing

application. This feature is valuable in a networked environment with multiple printers or

with users utilizing a printer located in another area. The application can get information on

MICR settings such as toner cartridge type (MICR or regular), locked trays (which trays are

locked to non-MICR applications), resident fonts/macros and audit trail settings. The

printer can send the application MICR error messages such as “load MICR toner.”

When the printer receives the “@PJL INFO STVARIABLES” command it will report all

MICR variables to the host. The MICR variables can also be seen by accessing the

printer’s front panel menu. Select Reports > Menu Settings Page. The second page of this

menu shows the current MICR variable configuration.

If USTATUS DEVICE=On, the printer will report PJL error 40020 for any MICR error which

causes the printer to go off-line. It will appear in this format:

@PJL USTATUS DEVICE

CODE=40020

DISPLAY=”MICR Password Error Press Go”

ONLINE=FALSE (formfeed----HEX 0C)

The code will always be 40020, only the display line will change to indicate the specific

error.

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